LIFE INSURANCE MEDICAL EXAMS - Marshall & Sterling · LIFE INSURANCE MEDICAL EXAMS The insurance...
Transcript of LIFE INSURANCE MEDICAL EXAMS - Marshall & Sterling · LIFE INSURANCE MEDICAL EXAMS The insurance...
Personal risk management tips provided by: Marshall & Sterling, Inc.
Did You Know?
When applying for life insurance, you will probably have to undergo a medical
exam to determine your premium. These exams are done in your home by
paramedical health care professionals who are hired by the insurance company. In
addition to the exams, you will also have to provide information about your
medical and family history.
Marshall & Sterling, Inc.
www.marshallsterling.com (845) 454-0800
This flyer is for informational purposes only and is not intended as professional advice. © 2008, 2011, 2013, 2016 Zywave, Inc. All rights reserved.
Plan Ahead
Some things to consider before having a life insurance medical exam:
Get a good night’s sleep the night before.
Do not drink alcohol for at least eight hours prior to the exam.
Limit your intake of salt and high cholesterol foods for at least 24 hours prior
to the exam.
Do not engage in strenuous exercise for 24 hours prior to the exam.
LIFE INSURANCE MEDICAL EXAMSThe insurance company hires a
paramedical professional to complete a
medical exam before issuing life insurance
in order to identify any health conditions
that may shorten your life. The cost of this
entire process is covered by the insurance
company.
The Medical Exam Process:
Paramedical professional will gather
your medical history, height, weight,
blood pressure, pulse and potentially
blood and/or urine samples.
Blood tests are used to detect the
presence of antibodies or antigens to
various viruses and diseases. Urine
tests are used to detect the presence
of medications and illegal drugs.
Exams do not include sensitive tissues,
such as breast or prostate exams.
If there are any additional questions
after the exam, you may be asked to
submit more information.
Additional tests may be ordered based
on your age and the policy amount
desired.
After the results are received by the
insurance company, you will be given
a risk rating: either flat or table for
your medical history and conditions. In
general, table ratings increase
premiums because they are
permanent or somewhat permanent
conditions.